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When the Credit CARD Act of 2009 was enacted, the goal was to make credit cards safer for people, but banks have found a loophole. Those consumer protections weren't extended to cards designated for business or commercial use, and as a result, millions of American households are at risk from the same unfair bank practices as before.

Jackie Ramos, a former "customer advocate" from the collections department at Bank of America, posted a video on YouTube in which she offers an inside scoop on the practices of the bank. Ramos says that while her former employer encouraged her to "do the right thing for the customer," she soon came to realize that her job was actually to squeeze as much money as possible from the company's cardholders.